When you participate in the direct deposit program, funds are electronically transmitted to your account on the designated distribution date and you will receive a voucher showing how much was deposited. There is no need to wait until your check arrives in the mail, and no need to make a trip to the bank.

Shareholders whose dividends are directly deposited should be sure that the name on the CIRI records matches the name on the bank account; otherwise, the bank will reject the deposit. They should also continue to either update their addresses in Qenek or send a signed address change request to the Shareholder Relations Department any time their address changes, and should also keep their address updated with the Postal Service. Failure to do so typically results in CIRI mail being returned as undeliverable. When this occurs, the CIRI distributions are held, interest-free, and the shareholder does not qualify to participate in any prize drawings until the address is updated.